CACSO PNP

What CACSO PNP does

CACSO PNP, legally Cooperativa de Ahorro y Crédito de Suboficiales de la Policía Nacional del Perú «Santa Rosa de Lima» Ltda., is a privately held savings and credit cooperative founded on July 6, 1961, and domiciled in Lima, Peru. The cooperative serves exclusively the personnel ecosystem of the Policía Nacional del Perú, with an addressable membership comprising approximately 24,000 active and retired sub-officials, civil PNP workers, training school graduates, and survivors of deceased members. Core financial products include savings accounts (Ahorros), credit and personal loans (Créditos) with promotional credit of up to S/. 7,000 for new members, collections management (Cobranzas), and a suite of social welfare benefits under the Previsión Social umbrella, comprising SERAPRES I and II, mortuary assistance (MORTUORIO SOCIO), and economic aid (AYUDA ECONÓMICA). Additional member benefits include free outpatient medical service, lodging in Lima and Cusco, parking, educational agreements, and ASIS DENT dental services.

Revenue is generated primarily through member savings deposits (with returns distributed as dividends), interest income from personal loan operations collected via payroll deduction, and recurring contributions funding social welfare programs. Distribution is anchored by the Lima headquarters (Av. Abancay 256) and eight regional branches in Cusco, Arequipa, Iquitos, Cajamarca, Piura, Chiclayo, Trujillo, and Huancayo, supplemented by an Oracle Cloud-hosted online account portal and dedicated WhatsApp support lines. The cooperative is supervised by the Superintendencia de Banca y Seguros (SBS), with Resolución N°01883-2024 referenced on the Transparency page, and is affiliated with FENACREP, where it ranks first in net equity and fourth in total assets among approximately 200 affiliated cooperatives. Governance is administered through a General Assembly of Delegates, an Administrative Council, and a Surveillance Council, with the ~24,000 members serving as collective owners; there is no parent company and no external equity investors.

Name

CACSO PNP

Legal name

Cooperativa de Ahorro y Crédito de Suboficiales de la Policía Nacional del Perú «Santa Rosa de Lima» Ltda.

Website

https://cacsopnp.com.pe

Company type

Private

Founded year

1961

Operating status

Operating

Headcount range

11–50 employees

Short description

CACSO PNP (Cooperativa Santa Rosa de Lima) is a Peruvian savings and credit cooperative serving approximately 24,000 active and retired sub-officials of the Policía Nacional del Perú, plus civil PNP workers, training graduates, and survivors, through savings, credit, and social welfare products across nine locations nationwide under SBS regulation.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Credit Unions (522130)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Community Development Credit Unions (CDCUs) (FSABAEAC)

Keywords

• Savings and credit cooperative
• Member-owned financial services
• Personal loans for police
• Social welfare benefits
• Payroll deduction savings

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Offices9 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Others

Revenue model

1. Savings Deposits: Members make voluntary savings deposits with the cooperative, earning returns on their savings through dividend distributions.
2. Credit/Loan Operations: The cooperative provides personal loans to members with promotional rates up to S/. 7,000 for new members, generating interest income.
3. Social Welfare Services: Social welfare programs including SERAPRES I and II, mortuary assistance, and economic aid funded through member contributions.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

CACSO PNP is a Peruvian savings and credit cooperative serving approximately 24,000 active and retired sub-officials and civilian workers of the Policía Nacional del Perú. It offers savings accounts, personal loans (including promotional loans up to S/. 7,000 for new members), collection services, and a social welfare program (Previsión Social) that includes SERAPRES I and II, mortuary assistance (MORTUORIO SOCIO), and economic aid (AYUDA ECONÓMICA), supported by 9 branch offices and payroll deduction collection.

Product overview

CACSO PNP is a savings and credit cooperative (Cooperativa de Ahorro y Crédito) serving sub-officers of the Peruvian National Police. The organization offers a comprehensive suite of financial products including savings accounts, credit/loan services, and collections management through its online portal. Beyond core banking services, the cooperative provides extensive social benefits programs through its Previsión Social initiative, which includes SERAPRES I and II insurance programs, MORTUORIO SOCIO death benefits, and AYUDA ECONÓMICA economic assistance. Additional member benefits encompass free outpatient medical services, lodging accommodations in Lima and Cusco, parking facilities, educational discounts through partner institutions, and dental care through ASIS DENT partner center. The cooperative operates across 8 national branches serving approximately 24,000 members.

Differentiator

Problem solved

Functional benefit

Brands

• SERAPRES I Y SERAPRES II: Social welfare program providing financial assistance to members.
• MORTUORIO SOCIO
• AYUDA ECONÓMICA

Products and services

• Ahorros Voluntary savings deposit accounts for members with various saving plans and benefits, earning returns through dividend distributions.
• Créditos Personal loans and credit services for members, including promotional loans up to S/. 7,000 for newly enrolled members subject to credit evaluation, with payroll deduction repayment.
• Cobranzas Collection services for loan repayments and member contributions managed through the cooperative's collection infrastructure.
• Previsión Social Comprehensive social welfare program including SERAPRES I and SERAPRES II (financial assistance), MORTUORIO SOCIO (death benefits), and AYUDA ECONÓMICA (economic assistance), funded through member contributions and accessible after the third contribution payment.
• Estado de Cuenta On Line Online member portal allowing members to view account balances and transactions, hosted on Oracle Cloud infrastructure.
• Servicio Médico Ambulatorio Free outpatient medical care provided to cooperative members.
• Servicio de Alojamiento Lodging services for members with discounts in Lima and Cusco.
• Playa de Estacionamiento Parking facility service available to members at the central headquarters in Lima.
• Convenios Educativos Educational agreements providing discounts at partner institutions for cooperative members.
• Centro Odontológico ASIS DENT Dental services including free consultations and treatment discounts for members at the partner ASIS DENT dental center.

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• FENACREPcoreOthers · 1 January 1961Affiliation with FENACREP (National Federation of Savings and Credit Cooperatives of Peru). CACSO PNP is the first cooperative in net equity among nearly 200 cooperatives affiliated to FENACREP and fourth in total assets.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Caja Arequipa: Peruvian savings and credit cooperative offering savings, credit, and complementary welfare services through a national branch network. Direct comparable in business model and regulatory standing; overlaps with CACSO PNP's Arequipa branch catchment.
• Caja Huancayo: One of Peru's largest savings and credit cooperatives (cajas), offering deposits, credit, and welfare-style benefits. Directly comparable to CACSO PNP in product mix, regulatory framework (SBS), and cooperative structure, though serving a broader geographic membership rather than a single profession.
• Caja Sullana: Peruvian savings and credit cooperative operating with a similar member-owned, multi-branch, deposit-and-credit model under FENACREP/SBS oversight. Comparable in scale, product breadth, and target customer (Peruvian households), with overlapping geography in northern Peru (Piura).
• Caja Maynas: Savings and credit cooperative headquartered in Iquitos with a deposit-and-credit franchise serving Peruvian households. Direct peer in product mix and cooperative structure; serves the same Iquitos market where CACSO PNP maintains a regional branch.
• Caja Piura: Peruvian savings and credit cooperative with multi-branch deposit, credit, and welfare offerings. Comparable in regulatory standing, product mix, and overall scale; overlaps with CACSO PNP's Piura branch geography.
• Caja Tacna: Peruvian cooperative offering savings, credit, and social-benefit products under the same SBS/FENACREP regulatory framework. Directly comparable in business model, though geographically focused on southern Peru rather than serving a uniformed-services niche.

Broad incumbents

• Banco de la Nación: Peruvian state-owned bank that serves public-sector employees, including police personnel, with payroll-linked accounts and consumer credit. Functions as a broader incumbent that competes for the same PNP salary flow that underpins CACSO PNP's collection mechanism.

Regional players

• Caja Metropolitana de Lima: Municipal savings and credit institution serving the Lima metropolitan area under SBS oversight. Comparable in deposit-and-credit product set; competes in the same Lima market as CACSO PNP's headquarters, though without the police-force specialization.
• CMAC Cusco: Municipal savings and credit institution serving the Cusco region with deposit and credit products under SBS oversight. Comparable in core banking model and serves the same Cusco market as CACSO PNP's regional branch, though structured as a municipal rather than member-owned cooperative.

Others

• FENACREP: National federation representing Peru's savings and credit cooperatives (FENACREP), of which CACSO PNP is a flagship member. Not a competitor but the industry-association counterparty that sets standards, provides representation, and contextualizes CACSO PNP's relative scale (#1 in net equity, #4 in total assets).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/cooperativasantarosadelima
• Facebookfacebook.com/cooperativasantarosadelima
• LinkedInlinkedin.com/company/cacso-pnp
• Instagraminstagram.com/cooperativasantarosadelima

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CACSO PNP